this post was submitted on 10 Dec 2025
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That's a good model to think of it. Insurance originated as mutual aid and I'm very in support of not for profit insurance as a concept. Like, what you're actually paying is the price of catastrophe times the odds of it in the given time plus administrative and profit costs. What that all means is that if you can't afford it, then you really can't afford to not have it should you need it.